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manager retail risk policy-cards in Shanghai

Shanghai, Shanghai
job type
CNY 30,000 per year
reference number
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job description


Global Risk is a thriving and expert risk management function supporting *** globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, operational, credit, pension, insurance, compliance, regulatory, market, reputation and geopolitical risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and those they see emerging, acting to protect and enable *** to deliver sustainable growth.

We are currently seeking an experienced professional to join our team.

In this role, you will:

This role is responsible for designing and implementing credit policy for credit card product with focus on portfolio management and collection strategy. Ensure a risk reward approach is used to maximize customer profitability on a risk adjusted basis by formulating portfolio management strategy. Responsible for setting and tracking the portfolio performance and implementation of sophisticated statistical forecasting models. Managing the credit quality to ensure LIC$ and LIC/Income Ratio targets are not exceeded and all areas of credit management comply with regulatory, regional and local approved policies.


To be successful in the role, you should meet the following requirements:
? In depth knowledge and experience of credit risk management for card business.
? 5 years + experience in credit card risk management and proficient in risk analytical tools, eg. SAS
? Broad knowledge of sector trends and regulatory environment
? Act with courageous integrity in decision making
? Take personal accountability, be decisive, use common sense, empower others
? Communicate openly and honestly. 
? Be inclusive and collaborative.
? Understanding Risk and making decisions in highly complex situations where there are potentially major consequences for the business. 
? Understanding the nature and dynamics of Risk and financial markets where the market context is highly complex, rapidly changing or is unprecedented.
? Providing expert guidance for the line of business.
? Establishing guidelines and policy for the line of business
? Excellent understanding of originations and portfolio management techniques including sophisticated analytics, credit modeling.
? Excellent understanding of other areas of risk including operational, small business and macroeconomy
? Good Understanding of business areas outside of Risk e.g., Collections, Product, Finance, etc.
? Good understanding of *** overall business dynamics, particularly Retail Banking
? Strong leadership skills for constantly changing risk environment
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